Offline payment system, method, device, equipment and medium

Abstract

The present application discloses an offline payment system, method, device, equipment and medium, which belongs to the field of offline payment. The system includes a biometric device and a POS device; the biometric device is used to collect the biometric information of the service object, and identify the identity of the service object based on the biometric information; in the case of successful identification, the agreed identification is sent to the POS device; in the case of successful identification, the payment voucher of the service object is generated, and the payment voucher is sent to the POS device; the data volume of the agreed identification is less than the data volume of the payment voucher; the POS device is used to notify the service object that the payment has been successfully made when the agreed identification is received; the payment voucher and the consumption amount of the service object are sent to the entrusted deduction platform, so that the entrusted deduction platform can verify the payment voucher, and in the case of the payment voucher verification, the consumption amount is deducted from the account of the service object. The above system shortens the waiting time of the service object in the checkout process.

Description

Technical Field

[0001] The present application relates to the field of offline payment, and in particular to an offline payment system, method, device, equipment and medium. Background Art

[0002] With the continuous development of technology, users have a variety of payment options when shopping offline.

[0003] In the related art, the cashier counter of the merchant is provided with a face recognition device, a POS (Point of Sales Terminal) device and a POS line. The face recognition device is used to collect the user's facial information and identify the user's identity. After successful identification, the face recognition device generates the user's payment voucher; the POS line is connected between the face recognition device and the POS device, and the POS line is used to transmit the payment voucher to the POS device; the POS device deducts the user's amount based on the received payment voucher. After the amount is deducted, the POS device will notify the user of the transaction result of "payment completed".

[0004] In the related art, the user needs to wait until the POS device notifies him / her that "payment has been completed" before he / she can leave the checkout counter. However, the complete payment process is complicated and the user needs to wait for a long time. Summary of the invention

[0005] The present application provides an offline payment system, method, device, equipment and medium, which shortens the waiting time of the service object during the checkout process. The technical solution is as follows:

[0006] According to one aspect of the present application, an offline payment system is provided, the system comprising a biometric device and a POS device, a data transmission link being established between the biometric device and the POS device;

[0007] The biometric identification device is used to collect the biometric information of the service object and identify the identity of the service object based on the biometric information; if the identification is successful, send the agreed identifier to the POS device; if the identification is successful, generate the payment voucher of the service object and send the payment voucher to the POS device; the data volume of the agreed identifier is less than the data volume of the payment voucher;

[0008] The POS device is used to notify the service object that the payment has been successful when the agreed identification is received; the payment voucher and the consumption amount of the service object are sent to the entrusted withholding platform so that the entrusted withholding platform can verify the payment voucher. If the payment voucher is verified, the consumption amount is deducted from the service object's account. The entrusted withholding platform is a platform authorized by the service object to deduct the consumption amount.

[0009] In an optional embodiment, the payment voucher is generated based on the identity information of the service object, and the data volume of the identity information of the service object is larger than the data volume of the agreed identifier.

[0010] In an optional embodiment, the agreed identifier carries at least one of the surname information, gender information and name information of the service object; the POS device is also used to combine at least one of the surname information, gender information and name information of the service object to notify the service object that the payment has been successful.

[0011] In an optional embodiment, the biometric device is further used to repeatedly send the agreed identifier to the POS device; the POS device is further used to send a response identifier to the biometric device upon receiving the agreed identifier or payment credential, and the response identifier is used to instruct the biometric device to stop sending the agreed identifier.

[0012] In an optional embodiment, the biometric device is installed with a biometric application, and the installation package of the biometric application carries a first identifier; the biometric device is also used to negotiate with the POS device to use the first identifier as the agreed identifier after the data transmission link between the biometric device and the POS device is established.

[0013] In an optional embodiment, the POS device is also used to send the payment voucher, the consumption amount of the service object and the authorization agreement of the service object to the entrusted withholding platform; the entrusted withholding platform is also used to verify the payment voucher and the authorization agreement; when the payment voucher and the authorization agreement are verified, the consumption amount is deducted from the service object's account; wherein the authorization agreement is an agreement signed by the service object before offline payment to allow the entrusted withholding platform to deduct the consumption amount.

[0014] In an optional embodiment, the biometric identification device is also used to collect and store the service object's authorized biometric information before offline payment, and use the authorized biometric information as the service object's identity information; the entrusted deduction platform is also used to obtain and store the service object's identity information and the authorization agreement signed by the service object before offline payment; the POS device is also used to obtain and store the authorization agreement before offline payment.

[0015] In an optional embodiment, a secure transmission link is established between the biometric device and the POS device; when the secure transmission link is a wired connection, a universal serial bus USB data cable is connected between the biometric device and the POS device, and a secure transport layer TLS security authenticated transmission link is established between the biometric device and the POS device; when the secure transmission link is a wireless connection, data is transmitted between the biometric device and the POS device via any one of Bluetooth and wireless fidelity wifi.

[0016] In an optional embodiment, the entrusted deduction platform is also used to transfer the consumption amount from the advance payment account to the merchant account when the payment voucher verification fails.

[0017] In an optional embodiment, the entrusted deduction platform is also used to verify the payment voucher again after a preset time interval if the verification of the payment voucher fails; when the number of verifications reaches a preset threshold, the resources of the consumption amount are transferred from the advance payment account to the merchant account, and the identity information of the service object and the consumption amount are recorded; when the next payment request is received, the resources of the consumption amount are transferred from the service object's account to the advance payment account.

[0018] In an optional embodiment, the entrusted deduction platform is also used to transfer the resources of the consumption amount from the advance payment account to the merchant account when the account balance value of the service object is less than the value of the consumption amount; when the account balance value of the service object is not less than the value of the consumption amount, transfer the resources of the consumption amount from the service object's account to the advance payment account.

[0019] In an optional embodiment, the entrusted withholding platform is also used to suspend the entrusted withholding service to the service object when the number of times the payment voucher of the service object has not been verified reaches a threshold during multiple payment processes.

[0020] In an optional embodiment, the biometric device stores a whitelist and / or a blacklist, the whitelist referring to a list of service objects that are allowed to use the agreed identifier, and the blacklist referring to a list of service objects that are prohibited from using the agreed identifier; the entrusted withholding platform is also used to instruct the biometric device to remove the service object from the whitelist when the number of times the service object's payment voucher has not been verified during multiple payment processes reaches a first threshold; and / or the entrusted withholding platform is also used to instruct the biometric device to add the service object to the blacklist when the number of times the service object's payment voucher has not been verified during multiple payment processes reaches a second threshold.

[0021] In an optional embodiment, the POS device is further used to send an instruction to the biometric device to suspend the use of the agreed identifier when the number of consecutive verification failures reaches a third threshold; or, the POS device is further used to send an instruction to the biometric device to suspend the use of the agreed identifier when the network condition between the POS device and the entrusted debit platform is worse than the benchmark condition.

[0022] According to one aspect of the present application, an offline payment method is provided, the method being performed by a biometric identification device, the method comprising:

[0023] Collecting the biometric information of the service recipient and identifying the identity of the service recipient based on the biometric information;

[0024] In case of successful identification, the agreed identification is sent to the POS device;

[0025] If the identification is successful, a payment voucher for the service object is generated, and the payment voucher is sent to the POS device; the data volume of the agreed identification is less than the data volume of the payment voucher;

[0026] Among them, the agreed identifier is used by the POS device to notify the service object that the payment has been successful when it receives the agreed identifier; the payment voucher is used by the POS device to send the payment voucher and the consumption amount of the service object to the entrusted deduction platform, so that the entrusted deduction platform can deduct the consumption amount from the service object's account when the payment voucher is verified to be passed; a data transmission link is established between the biometric device and the POS device.

[0027] According to one aspect of the present application, an offline payment method is provided, the method being executed by a POS device, the method comprising:

[0028] Receiving the agreed identifier sent by the biometric identification device, which is the biometric information of the service object collected by the biometric identification device, and the identity of the service object based on the biometric information, and sent to the POS device if the identification is successful;

[0029] Notify the service recipient that payment has been successful;

[0030] Receive the payment voucher and consumption amount from the service object, and send the payment voucher and consumption amount to the entrusted debit platform; the payment voucher is generated by the biometric device and sent to the POS device when the identity of the service object is successfully identified;

[0031] Among them, the data volume of the agreed identification is smaller than the data volume of the payment voucher. The entrusted deduction platform is a platform authorized by the service object to deduct the consumption amount of the service object. A data transmission link is established between the biometric device and the POS device.

[0032] According to one aspect of the present application, an offline payment device is provided, the device comprising:

[0033] A collection module, used to collect the biological information of the service object;

[0034] An identification module, used to identify the identity of the service object based on biometric information;

[0035] A sending module, used to send the agreed identification to the POS device if the identification is successful;

[0036] A generation module, used to generate a payment voucher for the service object when the identification is successful;

[0037] The sending module is also used to send the payment voucher to the POS device;

[0038] Among them, the data volume of the agreed identifier is smaller than the data volume of the payment voucher; the agreed identifier is used by the POS device to notify the service object that the payment has been successful when the agreed identifier is received; the payment voucher is used by the POS device to send the payment voucher and the consumption amount of the service object to the entrusted deduction platform, so that the entrusted deduction platform can deduct the consumption amount from the service object's account when the payment voucher is verified to be passed; a data transmission link is established between the offline payment device and the POS device.

[0039] According to one aspect of the present application, an offline payment device is provided, the device comprising:

[0040] A receiving module, used to receive an agreed identifier sent by a biometric identification device, where the agreed identifier is the biometric information collected by the biometric identification device and the identity of the service object according to the biometric information, and is sent to the POS device if the identification is successful;

[0041] Notification module, used to notify the service object that the payment has been successful;

[0042] The receiving module is also used to receive the payment voucher and consumption amount of the service object;

[0043] The sending module is used to send the payment voucher and the consumption amount to the entrusted deduction platform; the payment voucher is generated by the biometric device and sent to the POS device when the identity of the service object is successfully identified;

[0044] Among them, the data volume of the agreed identification is smaller than the data volume of the payment voucher. The entrusted deduction platform is a platform authorized by the service object to deduct the consumption amount of the service object. A data transmission link is established between the biometric device and the POS device.

[0045] According to one aspect of the present application, a biometric device is provided, which includes a processor and a memory, the memory stores a computer program, and the processor loads and executes the computer program to implement the above offline payment method.

[0046] According to one aspect of the present application, a POS device is provided. The POS device includes a processor and a memory. The memory stores a computer program. The processor loads and executes the computer program to implement the above offline payment method.

[0047] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the storage medium stores a computer program, and the computer program is loaded and executed by a processor to implement the above offline payment method.

[0048] According to another aspect of the present application, a computer program product or a computer program is provided, the computer program product or the computer program comprising computer instructions, the computer instructions being stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the above-mentioned offline payment method.

[0049] The beneficial effects brought by the technical solution provided by the embodiment of the present application include at least:

[0050] The biometric device spits out an agreed identifier to the POS device. The data volume of the agreed identifier is smaller than the data volume of the actual payment voucher, so that the POS device can notify the service object in advance that "the payment has been successful", without waiting for the entrusted deduction platform to complete the deduction before notifying the service object. The above solution shortens the waiting time of the service object, thereby speeding up the checkout speed. When there are a large number of people waiting to check out, it significantly improves the overall checkout efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0052] Figure 1 is a schematic diagram of an offline payment system provided by an exemplary embodiment of the present application;

[0053] Figure 2 is a schematic diagram of an offline payment system provided by another exemplary embodiment of the present application;

[0054] Figure 3 is a flow chart of an offline payment method provided by an exemplary embodiment of the present application;

[0055] Figure 4 is a flow chart of an offline payment method provided by an exemplary embodiment of the present application;

[0056] Figure 5 is a flowchart of establishing a TLS secure link provided by an exemplary embodiment of the present application;

[0057] Figure 6 is a flow chart of a commissioned withholding provided by an exemplary embodiment of the present application;

[0058] Figure 7 is a structural block diagram of an offline payment device provided by an exemplary embodiment of the present application;

[0059] Figure 8 is a structural block diagram of another offline payment device provided by an exemplary embodiment of the present application;

[0060] Fig. 9 is a structural block diagram of a biometric identification device provided by an exemplary embodiment of the present application;

[0061] Fig.10 It is a structural block diagram of a POS device provided by an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0062] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0063] Figure 1 An offline payment system 100 provided by an exemplary embodiment of the present application is shown. The system includes a biometric device 101 and a POS device 102 . A data transmission link is established between the biometric device 101 and the POS device 102 .

[0064] The offline payment system 100 refers to a system used by consumers to pay their consumption when shopping offline. Alternatively, it can be understood as a system provided by merchants for consumers to pay their consumption. In general, the equipment included in the offline payment system is installed by the merchant, and consumers only need to provide their own biometric information to achieve cloud deduction through the offline payment system 100. For example, the face recognition device and POS machine used at the cash register counter of an offline store.

[0065] The biometric identification device 101 is used to collect the biometric information of the service object and identify the identity of the service object according to the biometric information; if the identification is successful, send the agreed identifier to the POS device 102; if the identification is successful, generate the payment voucher of the service object and send the payment voucher to the POS device 102; the data volume of the agreed identifier is less than the data volume of the payment voucher;

[0066] Optionally, the biometric information includes fingerprint information, palm print information, iris information, retina information, facial information, and voice information, etc. Exemplarily, the biometric identification device 101 is a device for identifying facial information, and the biometric identification device 101 obtains the facial information of the service object through a camera, and identifies the identity of the service object based on the facial information; another exemplary embodiment, the biometric identification device 101 is a device for identifying palm print information, and the biometric identification device 101 obtains the palm print information of the service object, and identifies the identity of the service object based on the palm print information.

[0067] Optionally, the payment voucher refers to a voucher that the service object has completed the action of paying the consumption amount. In one embodiment, the biometric identification device 101 generates a payment voucher based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier. For example, the payment voucher is a deduction code of the service object, and the deduction code is generated based on the facial information or palm print ID of the service object. Optionally, the payment voucher is obtained by encrypting the identity information of the service object.

[0068] Optionally, the biometric identification device 101 sends the agreed identifier to the POS device in a repeated sending manner until the biometric identification device 101 receives a response identifier sent by the POS device, and then stops sending the agreed identifier.

[0069] Optionally, the agreed identifier carries at least one of the surname information, gender information and name information of the service object.

[0070] Optionally, the biometric device is installed with a biometric application, and the installation package of the biometric application carries the first identifier; the biometric device is further used to negotiate with the POS device to use the first identifier as the agreed identifier after the data transmission link between the biometric device and the POS device is established. Optionally, the first identifier is an identifier with only one byte, and the data volume of the payment voucher is much larger than one byte.

[0071] Optionally, the biometric identification device 101 stores a white list and / or a black list, where the white list refers to a list of service objects that are allowed to use the agreed identifier, and the black list refers to a list of service objects that are prohibited from using the agreed identifier.

[0072] Optionally, the biometric identification device 101 is further used to, after identifying the identity of the service object, check the whitelist and / or verify whether the service object is allowed to use the agreed identifier.

[0073] POS device 102 is used to notify the service object that the payment has been successful when the agreed identifier is received; the payment voucher and the consumption amount of the service object are sent to the entrusted deduction platform so that the entrusted deduction platform can verify the payment voucher. When the payment voucher is verified, the consumption amount is deducted from the account of the service object. The entrusted deduction platform is a platform authorized by the service object to deduct the consumption amount.

[0074] Optionally, the POS device 102 notifies the service object that the payment has been successful by displaying relevant words "Payment has been successful" on the display screen of the POS device, or playing relevant audio of "Payment has been successful" through a speaker. It is understandable that, because a data transmission link is established between the biometric device 101 and the POS device 102, the POS device 102 may also send the information of "Payment has been successful" at this time to the biometric device 101, and the display screen or speaker of the biometric device 101 notifies the service object that "Payment has been successful".

[0075] Optionally, the POS device 102 is further configured to send a response identifier to the biometric device 101 when receiving the agreed identifier or the payment voucher, wherein the response identifier is used to instruct the biometric device to stop sending the agreed identifier.

[0076] Optionally, the POS device 102 is further used to notify the service object that the payment has been successful in combination with at least one of the service object's surname information, gender information, and name information. Schematically, the POS device 102 transmits the message "Ms. Liu, you have successfully paid" through a display screen or a speaker.

[0077] Optionally, a secure transmission link is established between the biometric device 101 and the POS device 102; when the secure transmission link is a wired connection, a USB (Universal Serial Bus) data cable is connected between the biometric device 101 and the POS device 102, and a TLS (Transport Layer Security) security-authenticated transmission link is established between the biometric device 101 and the POS device 102; when the secure transmission link is a wireless connection, data is transmitted between the biometric device 101 and the POS device 102 via any one of Bluetooth and WIFI (Wireless-Fidelity).

[0078] Optionally, on the basis of establishing a secure transmission link, the biometric device 101 needs to encrypt the payment credential, and the POS device 102 needs to decrypt the payment credential.

[0079] Optionally, the entrusted withholding platform is a platform authorized by the service object to deduct the consumption amount. Indicatively, the entrusted withholding platform has been bound to the service object's bank card, and when the service object's payment voucher is verified, the consumption amount is deducted from the service object's bank card account; in another indicative manner, the entrusted withholding platform is provided with a wallet function, and the balance in the wallet can be used to deduct the service object's consumption amount.

[0080] Optionally, if the payment voucher verification fails, the entrusted debit platform transfers the consumption amount from the advance payment account to the merchant account.

[0081] Optionally, if the payment voucher verification fails, the entrusted debit platform will verify the payment voucher again after a preset time interval; when the number of verifications reaches a preset threshold, the resources of the consumption amount are transferred from the advance payment account to the merchant account, and the identity information of the service object and the consumption amount are recorded. When the next payment request is received, the resources of the consumption amount are transferred from the service object's account to the advance payment account.

[0082] Optionally, when the account balance value of the service object is less than the value of the consumption amount, the entrusted deduction platform transfers the resources of the consumption amount from the advance payment account to the merchant account; when the account balance value of the service object is not less than the value of the consumption amount, the resources of the consumption amount are transferred from the service object's account to the advance payment account.

[0083] Optionally, when the number of times that the payment voucher of the service object fails to pass verification during multiple payment processes reaches a threshold, the entrusted withholding platform suspends providing entrusted withholding services to the service object.

[0084] The entrusted withholding platform is also used to instruct the biometric device to remove the service object from the whitelist when the number of times the service object's payment voucher has not been verified reaches a first threshold during multiple payment processes.

[0085] Optionally, the entrusted withholding platform is also used to instruct the biometric device to add the service object to the blacklist when the number of times the service object's payment credentials have not been verified reaches a second threshold during multiple payment processes.

[0086] Optionally, the POS device is further used to send an instruction to the biometric device to suspend the use of the agreed identifier when the number of consecutive verification failures reaches a third threshold; or, the POS device is further used to send an instruction to the biometric device to suspend the use of the agreed identifier when the network condition between the POS device and the entrusted debit platform is worse than the benchmark condition.

[0087] Indicatively, when verifying the payment voucher, if the entrusted withholding platform finds that the service object's account balance is insufficient, it will advance the consumption amount first, and when the service object's account is refilled, the amount will be automatically deducted. Optionally, if the service object's account is not refilled to a deductible state in a timely manner within a preset period of time, the entrusted withholding platform will suspend the entrusted withholding service. Optionally, the service object has a corresponding reputation point set on the entrusted withholding platform. If the service object's account is not refilled to a deductible state in a timely manner within a preset period of time, the service object's reputation points will be deducted, and the reputation points support the service object to redeem welfare prizes, etc.

[0088] In summary, the above system uses the biometric device to spit out the agreed identifier to the POS device. The data volume of the agreed identifier is smaller than the data volume of the real payment voucher, so that the POS device can notify the service object in advance that "the payment has been successful", without waiting for the entrusted deduction platform to complete the deduction before notifying the service object. The above solution shortens the waiting time of the service object, thereby speeding up the checkout speed. When there are a large number of people waiting to check out, the overall checkout efficiency is significantly improved.

[0089] In addition, a secure transmission link is established between the biometric device and the POS device, which ensures that the agreed identification is carried out under reliable transmission. Based on this, the security of using the agreed identification to notify the user in advance that "payment has been successful" is guaranteed.

[0090] Figure 2 An offline payment system 100 provided by an exemplary embodiment of the present application is shown, the system comprising: a biometric device 101, a POS device 102 and a commissioned deduction platform 103, a data transmission link is established between the biometric device 101 and the POS device 102, and the commissioned deduction platform 103 is a platform authorized by the service object to deduct the consumption amount.

[0091] The biometric identification device 101 is used to collect the biometric information of the service object, and identify the identity of the service object according to the biometric information; if the identification is successful, send the agreed identifier to the POS device; if the identification is successful, generate the payment voucher of the service object, and send the payment voucher to the POS device; the data volume of the agreed identifier is less than the data volume of the payment voucher;

[0092] POS device 102 is used to notify the service object that the payment has been successful when receiving the agreed identifier; and send the payment voucher, the consumption amount of the service object and the authorization agreement of the service object to the entrusted debit platform;

[0093] The entrusted deduction platform 103 is also used to verify the payment voucher and the authorization agreement; when the payment voucher and the authorization agreement are verified, the consumption amount is deducted from the account of the service object.

[0094] Optionally, the authorization agreement is an agreement signed by the service object before offline payment to allow the entrusted deduction platform to deduct the consumption amount. In one embodiment, before the first use of the biometric device 101 for offline payment, the biometric device 101 collects and stores the service object's authorized biometric information, and uses the authorized biometric information as the service object's identity information. The entrusted deduction platform 103 obtains and stores the service object's identity information and the authorization agreement signed by the service object; the POS device 102 obtains and stores the authorization agreement.

[0095] Indicatively, before using the biometric device provided by the present application for offline payment for the first time, the service object needs to authorize the same type of biometric device (not just the currently used biometric device 101) to collect and store the service object's biometric information, and authorize the entrusted deduction platform to deduct the consumption amount. Optionally, when performing the first authorization operation, the biometric device 101 will display an authorization interface, which displays the authorization agreement to be signed by the user, and the service object also collects the authorized biometric information through the biometric device 101; Optionally, when performing the first authorization operation, the biometric device 101 displays a graphic code, and in response to the service object using a mobile terminal to scan the graphic code, the authorization interface is displayed on the mobile terminal, and the service object signs the authorization agreement on the authorization interface; After that, the service object also collects the authorized biometric information through the biometric device 101. Optionally, the biometric device 101 (and / or the background server supporting the biometric device 101) obtains and stores the authorized biometric information of the service object, and uses the authorized biometric information as the identity information of the service object. Optionally, the entrusted deduction platform 103 obtains and stores the identity information of the service object and the authorization agreement signed by the service object. Optionally, the entrusted debit platform 103 sends the authorization agreement to the POS device 102 .

[0096] To sum up, when making offline payments, the POS device also sends an authorization agreement to the entrusted withholding platform. The authorization agreement ensures that the transaction process of offline payments is fully authorized by the service object. That is, the authorization agreement is the certificate of the service object's authorization to use the entrusted withholding platform to deduct money, which ensures the legality, compliance and security of the offline payment process.

[0097] Figure 3 A flowchart of an offline payment method provided by an exemplary embodiment of the present application is shown. Figure 1 (or Figure 2 ) is used as an example to illustrate the offline payment system shown in the figure, the method includes:

[0098] Step 301, the biometric identification device collects the biometric information of the service object, and identifies the identity of the service object based on the biometric information;

[0099] Optionally, the biometric information includes fingerprint information, palm print information, iris information, retina information, facial information, and voice information, etc. Exemplarily, the biometric identification device is a device for recognizing facial information, and the biometric identification device obtains the facial information of the service object through a camera, and recognizes the identity of the service object based on the facial information; another exemplary embodiment, the biometric identification device is a device for recognizing palm print information, and the biometric identification device obtains the palm print information of the service object, and recognizes the identity of the service object based on the palm print information.

[0100] Step 302, when the biometric identification device successfully identifies the user, the biometric identification device sends the agreed identifier to the POS device;

[0101] Optionally, the biometric device is installed with a biometric application, and the installation package of the biometric application carries the first identifier; Optionally, after the data transmission link between the biometric device and the POS device is established, the biometric device negotiates with the POS device to use the first identifier as the agreed identifier. Optionally, the first identifier is an identifier with only one byte, and the data volume of the payment voucher is much larger than one byte.

[0102] Optionally, the biometric identification device sends the agreed identifier to the POS device in a repeated sending manner until the biometric identification device receives a response identifier sent by the POS device, and then stops sending.

[0103] Optionally, the agreed identifier carries at least one of the surname information, gender information and name information of the service object. Even if the agreed identifier carries the surname information, gender information and name information of the service object, the data volume of the agreed identifier is still smaller than the data volume of the payment voucher.

[0104] Step 303, when the biometric identification device successfully identifies the service object, the biometric identification device generates a payment voucher for the service object;

[0105] Optionally, the payment voucher refers to a voucher that proves that the service object has completed the action of paying the consumption amount. In one embodiment, the biometric identification device generates the payment voucher based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier. For example, the payment voucher is a deduction code of the service object, and the deduction code is generated based on the facial information or palm print ID of the service object. Optionally, the payment voucher is obtained by encrypting the identity information of the service object.

[0106] It should be noted that step 302 and step 303 may be performed first and then step 303, or may be performed simultaneously. Preferably, to further improve payment efficiency, step 302 and step 303 are performed simultaneously.

[0107] Step 304, the biometric device sends the payment credential to the POS device;

[0108] Optionally, the process of sending the payment voucher and the process of sending the agreed identifier by the biometric device are asynchronous, and the biometric device will repeatedly send the agreed identifier to the POS device before the POS device receives the agreed identifier or the payment voucher, for example, sending the agreed identifier every 1ms.

[0109] Step 305, the POS device receives the agreed identifier sent by the biometric identification device;

[0110] Step 306, the POS device notifies the service recipient that the payment has been successful;

[0111] Optionally, the POS device notifies the service object that the payment has been successful by displaying relevant words "Payment has been successful" on the display screen of the POS device, or playing relevant audio of "Payment has been successful" through a speaker. It is understandable that because a data transmission link is established between the biometric device and the POS device, the POS recognition device may also send the "Payment has been successful" information at this time to the biometric device, and the display screen or speaker of the biometric device notifies the service object that "Payment has been successful".

[0112] Optionally, the agreed identifier carries at least one of the surname information, gender information, and name information of the service object. The POS device also notifies the service object that the payment has been successful in combination with at least one of the surname information, gender information, and name information of the service object. For example, the POS device transmits the message "Ms. Liu, you have successfully paid" through a display screen and / or a speaker.

[0113] Step 307, the POS device receives the payment voucher and consumption amount of the service object;

[0114] Optionally, the POS device receives the payment voucher sent by the biometric device and the consumption amount entered by the cashier, and packages the payment voucher and the consumption amount and sends them to the entrusted deduction platform.

[0115] Optionally, the POS device receives the payment certificate and the agreed identifier asynchronously. When the POS device receives the agreed identifier or the payment certificate, it sends a response identifier to the biometric device, and the response identifier is used to instruct the biometric device to stop repeatedly sending the agreed identifier.

[0116] Step 308: The POS device sends the payment voucher and the consumption amount to the entrusted debit platform;

[0117] It should be noted that (step 305 + step 306) and (step 307 + step 308) may be performed by first performing step (step 305 + step 306) and then performing step (step 307 + step 308), or (step 305 + step 306) and (step 307 + step 308) may be performed simultaneously. Preferably, in order to further improve payment efficiency, (step 305 + step 306) and (step 307 + step 308) are performed simultaneously.

[0118] Step 309, entrusting the withholding platform to verify the payment voucher;

[0119] Optionally, the entrusted withholding platform is a platform authorized by the service object to deduct the consumption amount. Indicatively, the entrusted withholding platform has been bound to the service object's bank card, and when the service object's payment voucher is verified, the consumption amount is deducted from the service object's bank card account; in another indicative manner, the entrusted withholding platform is provided with a wallet function, and the balance in the wallet can be used to deduct the service object's consumption amount.

[0120] Optionally, the entrusted withholding platform receives the payment voucher, decrypts the payment voucher to obtain the identity information of the service object, and compares the decrypted identity information with the stored identity information. If they are consistent, the entrusted withholding platform confirms that the payment voucher has been verified.

[0121] Step 310: When the payment voucher is verified, the entrusted deduction platform deducts the consumption amount from the account of the service recipient.

[0122] Optionally, if the payment voucher verification fails, the entrusted debit platform transfers the consumption amount from the advance payment account to the merchant account.

[0123] Optionally, if the payment voucher verification fails, the entrusted withholding platform will verify the payment voucher again after a preset time interval; when the number of verifications reaches the preset threshold, the entrusted withholding platform transfers the resources of the consumption amount from the advance payment account to the merchant account, and records the identity information and consumption amount of the service object, and when the next payment request is received, the resources of the consumption amount are transferred from the service object's account to the advance payment account.

[0124] Optionally, when the account balance value of the service object is less than the value of the consumption amount, the entrusted deduction platform transfers the resources of the consumption amount from the advance payment account to the merchant account; when the account balance value of the service object is not less than the value of the consumption amount, the resources of the consumption amount are transferred from the service object's account to the advance payment account.

[0125] Indicatively, when verifying the payment voucher, if the entrusted withholding platform finds that the service object's account balance is insufficient, it will advance the consumption amount first, and when the service object's account is refilled, the amount will be automatically deducted. Optionally, if the service object's account is not refilled to a deductible state in a timely manner within a preset period of time, the entrusted withholding platform will suspend the entrusted withholding service. Optionally, the service object has a corresponding reputation point set on the entrusted withholding platform. If the service object's account is not refilled to a deductible state in a timely manner within a preset period of time, the service object's reputation points will be deducted, and the reputation points support the service object to redeem welfare prizes, etc.

[0126] Optionally, when the number of failed verifications of the service object's payment credentials reaches a first threshold during multiple payment processes, the entrusted debit platform instructs the biometric device to remove the service object from the whitelist; the whitelist refers to the list of service objects that are allowed to use the agreed identifier.

[0127] Optionally, when the number of failed verifications of the service object's payment credentials reaches a second threshold during multiple payment processes, the entrusted debit platform instructs the biometric device to add the service object to the blacklist; the blacklist refers to the list of service objects that are prohibited from using the agreed identification.

[0128] In one embodiment, when the number of failed verifications of the service object's payment voucher reaches a third threshold during multiple payment processes, the entrusted withholding platform also instructs the POS device to send an instruction to the biometric device to suspend the use of the agreed identifier. In summary, the above offline payment method uses the biometric device to spit out the agreed identifier to the POS device, and the amount of data of the agreed identifier is smaller than the amount of data of the real payment voucher, so that the POS device can notify the service object in advance that "the payment has been successful" without waiting for the entrusted withholding platform to complete the deduction before notifying the service object. The above scheme shortens the waiting time of the service object, thereby speeding up the checkout speed. When there are a large number of people waiting to check out, the overall checkout efficiency is significantly improved.

[0129] Figure 4 A flowchart of an offline payment method provided by an exemplary embodiment of the present application is shown. Figure 1 (or Figure 2 ) is used as an example to illustrate the offline payment system shown in the figure, the method includes:

[0130] Step 401, the biometric device establishes a secure transmission link with the POS device;

[0131] When the secure transmission link is a wired connection, a USB data cable is connected between the biometric device and the POS device, and a TLS secure authentication transmission link is established between the biometric device and the POS device;

[0132] When the secure transmission link is a wireless connection, data is transmitted between the biometric device and the POS device via Bluetooth or WiFi.

[0133] In one embodiment, when the network condition between the POS device and the entrusted debit platform is worse than the benchmark condition, the POS device sends an instruction to suspend the use of the agreed identifier to the biometric device.

[0134] Step 402, before offline payment, the biometric identification device collects and stores the service object's authorized biometric information, and uses the authorized biometric information as the service object's identity information;

[0135] Step 403, the POS device obtains and stores the authorization agreement of the service object before offline payment;

[0136] Step 404: Before the offline payment is made, the entrusted withholding platform obtains and stores the identity information of the service object and the authorization agreement signed by the service object;

[0137] In one embodiment, before using the biometric device for offline payment for the first time, the biometric device collects and stores the authorized biometric information of the service object, and uses the authorized biometric information as the identity information of the service object. The entrusted debit platform obtains and stores the identity information of the service object and the authorization agreement signed by the service object; the POS device obtains and stores the authorization agreement.

[0138] Indicatively, before using the biometric device provided by this application for offline payment for the first time, the service object needs to authorize the same type of biometric device (not just the biometric device currently used) to collect and store the service object's biometric information, and authorize the entrusted deduction platform to deduct the consumption amount. Optionally, when performing the first authorization operation, the biometric device will display an authorization interface, and the authorization interface will display the authorization agreement to be signed by the user, and the service object also collects the authorized biometric information through the biometric device; Optionally, when performing the first authorization operation, a graphic code is displayed on the biometric device, and in response to the service object using a mobile terminal to scan the graphic code, an authorization interface is displayed on the mobile terminal, and the service object signs the authorization agreement on the authorization interface; After that, the service object also collects the authorized biometric information through the biometric device. Optionally, the biometric device (and / or the background server supporting the biometric device) obtains and stores the authorized biometric information of the service object, and uses the authorized biometric information as the identity information of the service object. Optionally, the entrusted deduction platform obtains and stores the identity information of the service object and the authorization agreement signed by the service object. Optionally, the entrusted deduction platform sends the authorization agreement to the POS device.

[0139] Step 405, the biometric identification device collects the biometric information of the service object, and identifies the identity of the service object based on the biometric information;

[0140] Optionally, the biometric information includes fingerprint information, palm print information, iris information, retina information, facial information, and voice information, etc. Exemplarily, the biometric identification device is a device for recognizing facial information, and the biometric identification device obtains the facial information of the service object through a camera, and recognizes the identity of the service object based on the facial information; another exemplary embodiment, the biometric identification device is a device for recognizing palm print information, and the biometric identification device obtains the palm print information of the service object, and recognizes the identity of the service object based on the palm print information.

[0141] Step 406, when the biometric identification device succeeds in identification, the biometric identification device sends the agreed identification to the POS device;

[0142] Optionally, the biometric device is installed with a biometric application, and the installation package of the biometric application carries the first identifier; Optionally, after the data transmission link between the biometric device and the POS device is established, the biometric device negotiates with the POS device to use the first identifier as the agreed identifier. Optionally, the first identifier is an identifier with only one byte, and the data volume of the payment voucher is much larger than one byte.

[0143] Step 407, if the biometric identification device succeeds in identification, it generates a payment voucher for the service object;

[0144] Optionally, the payment voucher refers to a voucher that proves that the service object has completed the action of paying the consumption amount. In one embodiment, the biometric identification device generates the payment voucher based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier. For example, the payment voucher is a deduction code of the service object, and the deduction code is generated based on the facial information or palm print ID of the service object. Optionally, the payment voucher is obtained by encrypting the identity information of the service object.

[0145] It should be noted that step 406 and step 407 may be performed first and then step 407, or may be performed simultaneously. Preferably, to further improve payment efficiency, step 406 and step 407 are performed simultaneously.

[0146] Step 408, the biometric device sends the payment credential to the POS device;

[0147] Step 409, the POS device receives the agreed identifier sent by the biometric identification device;

[0148] Step 410, the POS device notifies the service recipient that the payment has been successful;

[0149] Optionally, the POS device notifies the service object that the payment has been successful by displaying relevant words "Payment has been successful" on the display screen of the POS device, or playing relevant audio of "Payment has been successful" through a speaker. It is understandable that because a data transmission link is established between the biometric device and the POS device, the POS recognition device may also send the "Payment has been successful" information at this time to the biometric device, and the display screen or speaker of the biometric device notifies the service object that "Payment has been successful".

[0150] Step 411, the POS device receives the payment voucher and consumption amount of the service object;

[0151] Optionally, the POS device receives the payment voucher sent by the biometric device and the consumption amount entered by the cashier, and packages the payment voucher and the consumption amount and sends them to the entrusted deduction platform.

[0152] Step 412, the POS device sends the payment voucher, the consumption amount and the authorization agreement to the entrusted debit platform;

[0153] Optionally, the POS device receives the payment voucher sent by the biometric device and the consumption amount entered by the cashier, and packages the payment voucher, consumption amount and a pre-stored authorization agreement and sends them to the entrusted deduction platform.

[0154] Optionally, the POS device decrypts the payment voucher, finds the authorization agreement corresponding to the identity information in the payment voucher, and sends the authorization agreement to the entrusted debit platform (preferred option). Optionally, because a secure transmission link is established between the POS device and the biometric device, the POS device can directly receive the identity information of the service object sent by the biometric device, find the authorization agreement corresponding to the identity information, and send the authorization agreement to the entrusted debit platform.

[0155] It should be noted that (step 409 + step 410) and (step 411 + step 412) may be performed by first performing step (step 409 + step 410) and then performing step (step 411 + step 412), or (step 409 + step 410) and (step 411 + step 412) may be performed simultaneously. Preferably, in order to further improve payment efficiency, (step 409 + step 410) and (step 411 + step 412) are performed simultaneously.

[0156] Step 413, entrusting the withholding platform to verify the payment voucher and authorization agreement;

[0157] Optionally, the entrusted withholding platform receives the payment voucher, decrypts the payment voucher to obtain the identity information of the service object, and compares the decrypted identity information with the stored identity information. If they are consistent, the entrusted withholding platform confirms that the payment voucher has been verified.

[0158] Optionally, the entrusted withholding platform receives the authorization agreement and searches the stored authorization agreement library to obtain the authorization agreement corresponding to the identity information decrypted from the payment voucher. If the two are consistent, the entrusted withholding platform confirms that the authorization agreement has been verified.

[0159] Step 414: When the payment voucher is verified, the entrusted deduction platform deducts the consumption amount from the service object's account.

[0160] In summary, a secure transmission link is established between the biometric device and the POS device, which ensures that the agreed identification is carried out under reliable transmission. Based on this, the security of using the agreed identification to notify the user in advance that "payment has been successful" is guaranteed.

[0161] In addition, when making offline payments, the POS device also sends an authorization agreement to the entrusted withholding platform. The authorization agreement ensures that the offline payment transaction process is fully authorized by the service object. That is, the authorization agreement is the certificate of the service object's authorization to use the entrusted withholding platform to deduct money, which ensures the legality, compliance and security of the offline payment process.

[0162] Figure 5 is a flowchart of establishing a two-way communication TLS secure link between a biometric device and a POS device provided by an exemplary embodiment of the present application. The method can be used to replace the above step 401. The method includes:

[0163] 1. The biometric APP initializes the two-way communication SDK (Software Development Kit);

[0164] Optionally, the biometric device is installed with a biometric APP, and the biometric APP initializes the two-way communication SDK.

[0165] 2. The biometric end of the two-way channel loads the certificate information and waits for the client to connect;

[0166] Optionally, the biometric end of the bidirectional channel loads the certificate information and waits for the client to connect.

[0167] 3. The POS end of the two-way channel is connected to the two-way communication SDK;

[0168] Optionally, the POS end of the two-way channel is connected to the two-way communication SDK of the biometric APP.

[0169] 4. POS APP initializes two-way communication SDK;

[0170] Optionally, the POS-side APP initializes the two-way channel SDK. The POS device is installed with the POS segment APP. The program package of the POS segment APP includes the two-way communication SDK.

[0171] 5. The POS end of the two-way channel sends the client TLS version information to the biometric end;

[0172] Optionally, the POS end of the two-way channel sends the client TLS version information to the biometric end of the two-way channel. In this application, the client refers to the POS end.

[0173] 6. The biometric end of the two-way channel sends the server TLS version information, server certificate, random number and other information to the POS end;

[0174] Optionally, the biometric end of the two-way channel sends the server TLS version information, server certificate, random number and other information to the POS end. In this application, the server refers to the biometric end.

[0175] 7. The POS end of the two-way channel verifies whether the server certificate is legal;

[0176] Optionally, the POS end of the two-way channel verifies whether the server certificate is legitimate.

[0177] 8. The POS end of the two-way channel sends its own certificate, random number and other information to the biometric end;

[0178] Optionally, the POS end of the two-way channel sends its own certificate, random number and other information to the biometric end. The random number is a number randomly selected by the POS end and is used to generate a session key later.

[0179] 9. The biometric end of the two-way channel verifies whether the client certificate is legitimate;

[0180] Optionally, the biometric end of the two-way channel verifies whether the client certificate is legitimate.

[0181] 10. The POS end of the two-way channel sends the supported encryption scheme;

[0182] Optionally, the POS end of the bidirectional channel sends a supported encryption scheme to the biometric end.

[0183] 11. The biometric end of the two-way channel sends the selected encryption scheme;

[0184] Optionally, the biometric end of the bidirectional channel sends the selected encryption scheme to the POS end.

[0185] 12. The POS end of the two-way channel generates a session key based on the encryption scheme and the random numbers at both ends;

[0186] Optionally, the POS end of the bidirectional channel generates a session key according to the encryption scheme and random numbers at both ends.

[0187] 13. The biometric end of the two-way channel generates a session key based on the encryption scheme and the random numbers at both ends.

[0188] Optionally, the biometric end of the bidirectional channel generates a session key based on the encryption scheme and random numbers at both ends.

[0189] In summary, a TLS secure transmission link is provided between a biometric device and a POS device, and the TLS secure transmission link ensures the security and reliability of data transmission.

[0190] Figure 6 This is a flowchart of an exemplary embodiment of the present application. Entrusted withholding means that the entrusted withholding platform is allowed to deduct the consumption amount through a specified payment channel within a certain time range under the authorization of the service object, such as Figure 6 As shown in the figure, the overall process of entrusted withholding includes:

[0191] 1. The service recipient signs the authorization agreement;

[0192] In one embodiment, before using the biometric device provided by this application for offline payment for the first time, the service object needs to authorize the same type of biometric device (not just the biometric device currently in use) to collect and store the service object's biometric information, and authorize the entrusted deduction platform to deduct the consumption amount. Optionally, when performing the first authorization operation, the biometric device will display an authorization interface, which will display the authorization agreement to be signed by the user, and the service object also uses the biometric device to collect authorized biometric information; Optionally, when performing the first authorization operation, a graphic code is displayed on the biometric device, and in response to the service object using a mobile terminal to scan the graphic code, an authorization interface is displayed on the mobile terminal, and the service object signs the authorization agreement on the authorization interface; Afterwards, the service object also uses the biometric device to collect authorized biometric information.

[0193] 2. Identity information of the biometric device / POS device and the entrusted debit platform storage service object and its authorization agreement;

[0194] After the service object signs the authorization agreement, the biometric device / POS device and the entrusted debit platform store the service object's identity information and authorization agreement. Figure 6 "Biometric device / POS device" here refers to the same operations performed by both the biometric device and the POS device. It has been mentioned above that a data transmission link is established between the biometric device and the POS device, so the biometric device and the POS device can transmit data to each other. There is no need to distinguish between the biometric device and the POS device when entrusting the deduction.

[0195] 3. The service recipients shall perform biometric identification when making offline payments;

[0196] The service object performs biometric identification through the biometric identification device when making offline payments. Exemplarily, the biometric identification device is a device that recognizes facial information, and the service object performs facial information identification when making offline payments; another exemplary embodiment, the biometric identification device is a device that recognizes palm print information, and the service object performs palm print information identification when making offline payments.

[0197] 4. The biometric device / POS device notifies the service recipient of successful payment in advance;

[0198] When the biometric device / POS device receives the agreed identification, it notifies the service recipient in advance that the payment is successful.

[0199] 5. The biometric device / POS device sends the service object’s identity information and authorization information to the entrusted debit platform;

[0200] The biometric device / POS device sends the service object's identity information and its stored authorization information to the entrusted debit platform.

[0201] 6. Entrust the withholding platform to verify and write off the authorization information;

[0202] The entrusted debit payment platform verifies and cancels the authorization information sent by the biometric device / POS device based on its own stored authorization agreement.

[0203] 7. The entrusted withholding platform returns the payment bill result to the service object;

[0204] When the entrusted withholding platform verifies that the authorization information sent by the biometric device / POS device is passed, the entrusted withholding platform returns the payment bill result to the service object. Exemplarily, the entrusted withholding platform pushes the payment bill to the social account logged in by the service object and returns the payment success result. Optionally, the mobile terminal logged in with the social account of the service object obtains and displays the payment bill.

[0205] To sum up, the above has fully introduced the overall process of entrusted withholding before and during offline payment, ensuring the feasibility and security of offline payment.

[0206] Figure 7 The following is a structural block diagram of an offline payment device provided by an exemplary embodiment of the present application, the device comprising:

[0207] The collection module 701 is used to collect the biological information of the service object;

[0208] Identification module 702, used to identify the identity of the service object according to the biometric information;

[0209] The sending module 703 is used to send the agreed identification to the POS device when the identification is successful;

[0210] A generating module 704, for generating a payment voucher for the service object if the identification is successful;

[0211] The sending module 703 is also used to send the payment voucher to the POS device;

[0212] Among them, the data volume of the agreed identifier is smaller than the data volume of the payment voucher; the agreed identifier is used by the POS device to notify the service object that the payment has been successful when the agreed identifier is received; the payment voucher is used by the POS device to send the payment voucher and the consumption amount of the service object to the entrusted deduction platform, so that the entrusted deduction platform can deduct the consumption amount from the service object's account when the payment voucher is verified to be passed; a data transmission link is established between the offline payment device and the POS device.

[0213] In an optional embodiment, the payment voucher is generated based on the identity information of the service object, and the data volume of the identity information of the service object is larger than the data volume of the agreed identifier.

[0214] In an optional embodiment, the appointment identifier carries at least one of the surname information, gender information and name information of the service object.

[0215] In an optional embodiment, the sending module 703 is further configured to, when the identification is successful, repeatedly send the agreed identifier to the POS device until a response identifier sent by the POS device is received.

[0216] In an optional embodiment, the offline payment device further includes a negotiation module 705; the negotiation module 705 is used to negotiate with the POS device to use the first identifier as the agreed identifier, and the first identifier is carried by the installation package of the biometric application installed in the biometric device.

[0217] In an optional embodiment, the collection module 701 is further used to collect and store the authorized biometric information of the service object before offline payment, and use the authorized biometric information as the identity information of the service object.

[0218] In summary, the offline payment device spits out the agreed identifier to the POS device, and the data volume of the agreed identifier is smaller than the data volume of the real payment voucher, so that the POS device can notify the service object in advance that "the payment has been successful", without waiting for the entrusted withholding platform to complete the deduction before notifying the service object. The above solution shortens the waiting time of the service object, thereby speeding up the checkout speed. When there are a large number of people waiting to check out, it significantly improves the overall checkout efficiency.

[0219] Figure 8 The structure block diagram of another offline payment device provided by an exemplary embodiment of the present application is shown, and the device includes:

[0220] The receiving module 801 is used to receive the agreed identification sent by the biometric identification device, which is the biometric information of the service object collected by the biometric identification device, and the identity of the service object is identified according to the biometric information, and sent to the POS device if the identification is successful;

[0221] Notification module 802, used to notify the service object that the payment has been successful;

[0222] The receiving module 801 is also used to receive the payment voucher and consumption amount of the service object;

[0223] The sending module 803 is used to send the payment voucher and the consumption amount to the entrusted deduction platform; the payment voucher is generated by the biometric identification device and sent to the POS device when the identity of the service object is successfully identified;

[0224] Among them, the data volume of the agreed identification is smaller than the data volume of the payment voucher. The entrusted deduction platform is a platform authorized by the service object to deduct the consumption amount of the service object. A data transmission link is established between the biometric device and the POS device.

[0225] In an optional embodiment, the payment credential is generated by a biometric identification device based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier.

[0226] In an optional embodiment, the notification module 802 is further used to notify the service object that the payment has been successful in combination with at least one of the surname information, gender information and name information of the service object.

[0227] In an optional embodiment, the sending module 803 is further used to send a response identifier to the biometric device when receiving the agreed identifier or payment certificate, and the response identifier is used to instruct the biometric device to stop repeatedly sending the agreed identifier.

[0228] In an optional embodiment, the offline payment device also includes a negotiation module 804; the negotiation module 804 is used to negotiate with the biometric device to use the first identifier as the agreed identifier after the data transmission link between the biometric device is established, and the first identifier is carried by the installation package of the biometric application installed in the biometric device.

[0229] In an optional embodiment, the sending module 803 is also used to send the service object's authorization agreement to the entrusted withholding platform. The authorization agreement is an agreement signed by the service object before offline payment to allow the entrusted withholding platform to deduct the consumption amount.

[0230] In an optional embodiment, the receiving module 801 is further used to obtain and store the authorization agreement of the service object before offline payment.

[0231] In an optional embodiment, the sending module 803 is further used to send an instruction to suspend the use of the agreed identifier to the biometric device when the number of consecutive verification failures reaches a third threshold.

[0232] In an optional embodiment, the sending module 803 is further used to send an instruction to suspend the use of the agreed identifier to the biometric device when the network condition between the entrusted withholding platform is worse than the benchmark condition.

[0233] In summary, the biometric device spits out the agreed identifier to the offline payment device. The data volume of the agreed identifier is smaller than the data volume of the real payment voucher, so that the offline payment device can notify the service object in advance that "the payment has been successful", without waiting for the entrusted withholding platform to complete the deduction before notifying the service object. The above solution shortens the waiting time of the service object, thereby speeding up the checkout speed. When there are a large number of people waiting to check out, it significantly improves the overall checkout efficiency.

[0234] Fig. 9 9 is a structural block diagram of a biometric identification device provided by an exemplary embodiment of the present application. The biometric identification device includes a processor 901 , a receiver 902 , a transmitter 903 , a memory 904 and a bus 905 .

[0235] The processor 901 includes one or more processing cores, and the processor 901 executes various functional applications by running software programs and modules. For example, the processor 901 identifies the identity of the service object according to the biometric information of the service object. For example, the processor 901 generates a payment voucher for the service object according to the identity information of the service object.

[0236] The receiver 902 and the transmitter 903 can be used to receive and send information, and the receiver 902 and the transmitter 903 can be accommodated on a communication chip. For example, the receiver 902 receives the biometric information of the service object, and the transmitter 903 transmits the payment certificate of the service object. The receiver 902 and the transmitter 903 also encrypt the payment certificate.

[0237] The memory 904 can be used to store a computer program, and the processor 901 is used to execute the computer program to implement each step in the above method embodiment. Optionally, the memory 904 stores an identity information database, and the identity information matching the biometric information is found from the identity information database.

[0238] In addition, the memory 904 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, and the volatile or non-volatile storage device includes but is not limited to: random-access memory (Random-Access Memory, RAM) and read-only memory (Read-Only Memory, ROM), erasable programmable read-only memory (ErasableProgrammable Read-Only Memory, EPROM), electrically erasable programmable read-only memory (ElectricallyErasableProgrammableRead-OnlyMemory, EEPROM), flash memory or other solid-state storage technology, compact disc read-only memory (Compact Disc Read-Only Memory, CD-ROM), high-density digital video disc (Digital VideoDisc, DVD) or other optical storage, tape cassettes, magnetic tapes, disk storage or other magnetic storage devices.

[0239] Fig.10 It is a structural block diagram of a POS device provided by an exemplary embodiment of the present application. The POS device includes: a processor 1001 , a receiver 1002 , a transmitter 1003 , a memory 1004 and a bus 1005 .

[0240] The processor 1001 includes one or more processing cores, and the processor 1001 executes various functional applications by running software programs and modules.

[0241] The receiver 1002 and the transmitter 1003 can be used to receive and send information, and the receiver 1002 and the transmitter 1003 can be accommodated on a communication chip. For example, the receiver 1002 receives the payment certificate, and the transmitter 1003 transmits the payment certificate. The receiver 1002 and the transmitter 1003 also encrypt the payment certificate.

[0242] The memory 1004 may be used to store a computer program, and the processor 1001 may be used to execute the computer program to implement each step in the above method embodiment.

[0243] In addition, the memory 1004 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, and the volatile or non-volatile storage device includes but is not limited to: random-access memory (Random-Access Memory, RAM) and read-only memory (Read-Only Memory, ROM), erasable programmable read-only memory (ErasableProgrammable Read-Only Memory, EPROM), electrically erasable programmable read-only memory (ElectricallyErasableProgrammableRead-OnlyMemory, EEPROM), flash memory or other solid-state storage technology, compact disc read-only memory (Compact Disc Read-Only Memory, CD-ROM), high-density digital video disc (Digital VideoDisc, DVD) or other optical storage, tape cassettes, magnetic tapes, disk storage or other magnetic storage devices.

[0244] The present application also provides a computer-readable storage medium, in which at least one instruction, at least one program, a code set or an instruction set is stored. The at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by a processor to implement the offline payment method provided in the above method embodiment.

[0245] The present application provides a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the offline payment method provided by the above method embodiment.

[0246] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0247] A person skilled in the art will understand that all or part of the steps to implement the above embodiments may be accomplished by hardware or by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a disk or an optical disk, etc.

[0248] The above description is only an optional embodiment of the present application and is not intended to limit the present application. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present application shall be included in the protection scope of the present application.

Claims

1. An offline payment system, characterized in that: The system includes a biometric device and a point-of-sale (POS) device, a data transmission link is established between the biometric device and the POS device, the biometric device is installed with a biometric application, and an installation package of the biometric application carries a first identifier; The biometric identification device is used to collect the biometric information of the service object and identify the identity of the service object based on the biometric information; if the identification is successful, repeatedly send the agreed identifier to the POS device until receiving the response identifier sent by the POS device, and the response identifier is used to instruct the biometric identification device to stop repeatedly sending the agreed identifier; if the identification is successful, generate the payment voucher of the service object and send the payment voucher to the POS device; the data volume of the agreed identifier is smaller than the data volume of the payment voucher; the process of the biometric identification device sending the payment voucher and the process of sending the agreed identifier are asynchronous; the agreed identifier includes the first identifier; The POS device is used to send the response identifier to the biometric device and notify the service object that the payment has been successful when the agreed identifier is received; send the payment voucher and the consumption amount of the service object to the entrusted withholding platform so that the entrusted withholding platform can verify the payment voucher, and deduct the consumption amount from the account of the service object when the payment voucher is verified. The entrusted withholding platform is a platform authorized by the service object to deduct the consumption amount; The process of the POS device receiving the payment credential and the process of receiving the appointment identifier are asynchronous.

2. The system according to claim 1, characterized in that The payment voucher is generated based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier.

3. The system according to claim 1 or 2, characterized in that: The agreed identifier carries at least one of the surname information, gender information and name information of the service object; The POS device is further used to notify the service object that the payment has been successful based on at least one of the surname information, gender information and name information of the service object.

4. The system according to claim 1 or 2, characterized in that: The biometric identification device is further configured to negotiate with the POS device to use the first identifier as the agreed identifier after the data transmission link between the biometric identification device and the POS device is established.

5. The system according to claim 1 or 2, characterized in that: The POS device is further used to send the payment voucher, the consumption amount of the service object and the authorization agreement of the service object to the entrusted deduction platform; The entrusted deduction platform is also used to verify the payment voucher and the authorization agreement; if both the payment voucher and the authorization agreement are verified, the consumption amount is deducted from the account of the service object; Among them, the authorization agreement is an agreement signed by the service object before offline payment, allowing the entrusted withholding platform to deduct the consumption amount.

6. The system according to claim 5, characterized in that The biometric identification device is also used to collect and store the authorized biometric information of the service object before offline payment, and use the authorized biometric information as the identity information of the service object; The entrusted withholding platform is also used to obtain and store the identity information of the service object and the authorization agreement signed by the service object before offline payment; The POS device is also used to obtain and store the authorization agreement before offline payment.

7. The system according to claim 1 or 2, characterized in that: A secure transmission link is established between the biometric device and the POS device; In the case where the secure transmission link is a wired connection, a universal serial bus (USB) data cable is connected between the biometric device and the POS device, and a secure transport layer (TLS) secure authentication transmission link is established between the biometric device and the POS device; In the case where the secure transmission link is a wireless connection, data is transmitted between the biometric device and the POS device via any one of Bluetooth and wireless fidelity Wi-Fi.

8. The system according to claim 1, characterized in that The entrusted deduction platform is also used to transfer the consumption amount from the advance payment account to the merchant account when the payment voucher verification fails.

9. The system according to claim 1, characterized in that The entrusted deduction platform is further used to verify the payment voucher again after a preset time interval if the payment voucher verification fails; when the number of verifications reaches a preset number threshold, transfer the consumption amount from the advance payment account to the merchant account, and record the identity information of the service object and the consumption amount; When the next payment request is received, the resources of the consumption amount are transferred from the account of the service object to the advance payment account.

10. The system according to claim 1, characterized in that The entrusted deduction platform is further used to transfer the consumption amount from the advance payment account to the merchant account when the account balance value of the service object is less than the consumption amount value; When the value of the account balance of the service object is not less than the value of the consumption amount, the resources of the consumption amount are transferred from the account of the service object to the advance payment account.

11. The system according to claim 1, characterized in that The entrusted withholding platform is also used to suspend the entrusted withholding service for the service object when the number of times the payment voucher of the service object fails to pass verification reaches a threshold during multiple payment processes.

12. The system according to claim 1, characterized in that The biometric identification device stores a whitelist and / or a blacklist, wherein the whitelist refers to a list of service objects that are allowed to use the agreed identifier, and the blacklist refers to a list of service objects that are prohibited from using the agreed identifier; The entrusted withholding platform is further configured to instruct the biometric identification device to remove the service object from the whitelist when the number of times the payment voucher of the service object fails to pass verification during multiple payment processes reaches a first threshold; and / or, The entrusted withholding platform is further used to instruct the biometric device to add the service object to the blacklist when the number of times the payment voucher of the service object has not been verified reaches a second threshold during multiple payment processes.

13. The system according to claim 1, characterized in that The POS device is further configured to send an instruction to suspend the use of the agreed identifier to the biometric device when the number of consecutive verification failures reaches a third threshold; or The POS device is also used to send an instruction to suspend the use of the agreed identifier to the biometric device when the network condition between the POS device and the entrusted deduction platform is worse than the benchmark condition.

14. An offline payment method, characterized in that: The method is performed by a biometric device, the biometric device is installed with a biometric application, the installation package of the biometric application carries a first identifier, and the method includes: Collecting biometric information of a service object, and identifying the identity of the service object based on the biometric information; In the case of successful identification, repeatedly sending the agreed identifier to the POS device until receiving a response identifier sent by the POS device, the response identifier being used to instruct the biometric identification device to stop repeatedly sending the agreed identifier, the agreed identifier including the first identifier; If the identification is successful, generating a payment voucher for the service object, and sending the payment voucher to the POS device; the data volume of the agreed identifier is smaller than the data volume of the payment voucher; The process of the biometric device sending the payment credential and the process of sending the agreed identifier are asynchronous; the process of the POS device receiving the payment credential and the process of receiving the agreed identifier are asynchronous; Among them, the agreed identifier is used by the POS device to send the response identifier to the biometric device and notify the service object that the payment has been successful when the POS device receives the agreed identifier; the payment voucher is used by the POS device to send the payment voucher and the consumption amount of the service object to the entrusted deduction platform, so that the entrusted deduction platform can deduct the consumption amount from the account of the service object when the payment voucher is verified to be passed; a data transmission link is established between the biometric device and the POS device.

15. The method according to claim 14, characterized in that The payment voucher is generated based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier.

16. The method according to claim 14 or 15, characterized in that The method further comprises: Negotiate with the POS device to use the first identifier as the agreed identifier.

17. An offline payment method, characterized in that: The method is performed by a POS device, and comprises: Receive an agreed identifier sent by a biometric device, and upon receiving the agreed identifier, send a response identifier to the biometric device; the agreed identifier is the biometric information of the service object collected by the biometric device, and the identity of the service object is identified based on the biometric information, and when the identification is successful, it is repeatedly sent to the POS device, and the response identifier is used to instruct the biometric device to stop repeatedly sending the agreed identifier, and the agreed identifier includes a first identifier carried in the installation package of the biometric application installed by the biometric device; Notify the service object that the payment has been successful; Receive the payment voucher and consumption amount of the service object, and send the payment voucher and consumption amount to the entrusted debit platform; the payment voucher is generated by the biometric device and sent to the POS device when the identity of the service object is successfully identified; the process of the biometric device sending the payment voucher and the process of sending the agreed identifier are asynchronous; the process of the POS device receiving the payment voucher and the process of receiving the agreed identifier are asynchronous; Among them, the data volume of the agreed identifier is smaller than the data volume of the payment voucher, the entrusted deduction platform is a platform authorized by the service object to deduct the consumption amount of the service object, and a data transmission link is established between the biometric device and the POS device.

18. The method according to claim 17, characterized in that The agreed identifier carries at least one of the surname information, gender information and name information of the service object; The notifying the service object that the payment has been successful includes: The service object is notified that the payment has been successful based on at least one of the surname information, gender information and name information of the service object.

19. The method according to claim 17, characterized in that The method further comprises: Upon receipt of the payment credential, the response identifier is sent to the biometric device.

20. An offline payment device, characterized in that: The offline payment device is installed with a biometric application program, the installation package of the biometric application program carries a first identifier, and the device includes: A collection module is used to collect the biological information of the service object; An identification module, used to identify the identity of the service object according to the biometric information; a sending module, configured to, if the identification is successful, repeatedly send the agreed identifier to the POS device until a response identifier sent by the POS device is received, wherein the response identifier is used to instruct the offline payment device to stop repeatedly sending the agreed identifier, wherein the agreed identifier includes the first identifier; A generation module, used to generate a payment voucher for the service object when the identification is successful; The sending module is further used to send the payment voucher to the POS device; Among them, the data volume of the agreed identifier is smaller than the data volume of the payment voucher; the agreed identifier is used by the POS device to send the response identifier to the offline payment device and notify the service object that the payment has been successful when the agreed identifier is received; the payment voucher is used by the POS device to send the payment voucher and the consumption amount of the service object to the entrusted deduction platform, so that the entrusted deduction platform can deduct the consumption amount from the account of the service object when the payment voucher is verified to be passed; a data transmission link is established between the offline payment device and the POS device; the process of the offline payment device sending the payment voucher and the process of sending the agreed identifier are asynchronous; the process of the POS device receiving the payment voucher and the process of receiving the agreed identifier are asynchronous.

21. The device according to claim 20, characterized in that The payment voucher is generated based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier.

22. The device according to claim 20, characterized in that The appointment identifier carries at least one of the surname information, gender information and name information of the service object.

23. The device according to claim 20 or 21, characterized in that The device also includes: The negotiation module is used to negotiate with the POS device to use the first identifier as the agreed identifier.

24. The device according to claim 20, characterized in that The collection module is also used to collect and store the authorized biometric information of the service object before offline payment, and use the authorized biometric information as the identity information of the service object.

25. An offline payment device, characterized in that: The device comprises: A receiving module, used to receive an agreed identifier sent by a biometric identification device, wherein the agreed identifier is the biometric information of a service object collected by the biometric identification device, and the identity of the service object is identified according to the biometric information, and if the identification is successful, the agreed identifier is repeatedly sent to the POS device; a sending module, configured to send a response identifier to the biometric device when receiving the agreed identifier, wherein the response identifier is used to instruct the biometric device to stop repeatedly sending the agreed identifier, wherein the agreed identifier includes a first identifier carried in an installation package of a biometric application installed by the biometric device; A notification module, used to notify the service object that the payment has been successful; The receiving module is further used to receive the payment voucher and consumption amount of the service object; The sending module is further used to send the payment voucher and the consumption amount to the entrusted deduction platform; the payment voucher is generated by the biometric identification device and sent to the POS device when the identity of the service object is successfully identified; the process of the biometric identification device sending the payment voucher and the process of sending the agreed identifier are asynchronous; the process of the POS device receiving the payment voucher and the process of receiving the agreed identifier are asynchronous; Among them, the data volume of the agreed identifier is smaller than the data volume of the payment voucher, the entrusted deduction platform is a platform authorized by the service object to deduct the consumption amount of the service object, and a data transmission link is established between the biometric device and the POS device.

26. The device according to claim 25, characterized in that The payment credential is generated by the biometric identification device based on the identity information of the service object, and the data volume of the identity information of the service object is greater than the data volume of the agreed identifier.

27. The device according to claim 25, characterized in that The notification module is further used to notify the service object that the payment has been successful based on at least one of the surname information, gender information and name information of the service object.

28. The device according to claim 25, characterized in that The sending module is further configured to send the response identifier to the biometric identification device upon receiving the payment credential.

29. The device according to claim 25, characterized in that The offline payment device also includes: A negotiation module is used to negotiate with the biometric device to use the first identifier as the agreed identifier after the data transmission link between the biometric device and the biometric device is established.

30. The device according to claim 25, characterized in that The sending module is also used to send the authorization agreement of the service object to the entrusted withholding platform, where the authorization agreement is an agreement signed by the service object before offline payment to allow the entrusted withholding platform to deduct the consumption amount.

31. The device according to claim 30, characterized in that The receiving module is further used to obtain and store the authorization agreement of the service object before offline payment.

32. The device according to claim 25, characterized in that The sending module is further configured to send an instruction to suspend the use of the agreed identifier to the biometric identification device when the number of consecutive verification failures reaches a third threshold.

33. The device according to claim 25, characterized in that The sending module is also used to send an instruction to suspend the use of the agreed identifier to the biometric device when the network condition between the entrusted deduction platform is worse than the benchmark condition.

34. A biometric identification device, characterized in that: The biometric device comprises a processor and a memory, wherein the memory stores a computer program, and the processor loads and executes the computer program to implement the offline payment method as claimed in any one of claims 14 to 16.

35. A POS device, characterized in that: The POS device comprises a processor and a memory, wherein the memory stores a computer program, and the processor loads and executes the computer program to implement the offline payment method according to any one of claims 17 to 19.

36. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is loaded and executed by a processor to implement the offline payment method according to any one of claims 14 to 19.

37. A computer program product, characterized in that The computer program product includes computer instructions, which are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes to implement the offline payment method as described in any one of claims 14 to 19.

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